blonde poker forum

My insurance is up for renewal this month but my quotes are stupid (cost more than the cars worth!)

Ive changed my car to a cheaper car (clio) and its bringing it down less than half and is bearable.

My question is whats the best cheap runaround car (cheap insurance/petrol)? Ideally something under a grand as ill be driving less than 4k miles a year. I dont really care what it looks like

Have you considered not having a car at all?

Usually it's easy enough to get the bus or walk.

In an emergency you can just get a cab.

If you've got a trip planned you can hire a small car for £15 a day.

With all the costs of owning a car it's well worth considering.

The not having a car option wont really work, cos im a lazy bastard  ;D

i was wanting people to let me know of decent runarounds they have had experience of

peugeot 106 1.5 diesel or any 1.0 jap hatch, micra for example, but for 4K miles a year not sure fuel economy should be that important to you.

its not the fuel economy thats the biggest issue, its the price of the insurance.

Buy the most modern sub 1000cc car you can afford.

this

http://uk.cars.yahoo.com/16092010/36/top-ten-used-low-insurance-cars-young-drivers-0.html

will do you a great deal on an x reg fiesta, only problem is lildave told me he really wants it so will have to speak to him first.

RUNAROUND

(http://www.hobo-bonobo.co.uk/newsdesk/images/070729205749.jpg)

my nephew had the same problem he found a cheap escort or fiesta VAN is the cheapest to insure

1.8d cheaper than a 1.0 fiesta

van is a good shout

thinking about it van is a great idea.  I watched a movie online the other day, it was pretty short but was really interesting.

It was about this guy that drove round in his van with a few friends they stopped to talk to a lady and she got in his van and they made love.

If you get a van that could be you!

civic?

How about something really old so that you can insure it as a classic?

you can pick up classic jags really cheap an old series 2 would look cool

Have you thought about getting on someone elses insurance, or at least, insuring someone else alongside you on the same car? That should knock it down a bit.

lol. vwp.

During my scim read i couldn't see any reason for not getting a lil 125 moped/motorbike? Tax,insurance,petrol all filthy cheap as well as the bike itself. I did this for a couple of years. Only problems were in the snowy conditions. Great in summer.

Even though i had a Harley type replica, people still told me i looked like Bowser from Mario Kart.

Smart car maybe?

You want the total cost of ownership to be as low as possible, so therefore you also want something reliable and cheap to get through the MOT (with the inevitable small issues that you'll get with a car of this age) as well as being dirt cheap on insurance and general running costs.

http://www.usedcarexpert.co.uk/buy/-/price/to-1000/postcode-ts1/type-city+cars/show-all/order-distance+low+to+high/

Can't see you going too far wrong with a Ford KA.  Small engine, and therefore will do OK in terms of mpg and think they're insurance group 2 (possibly even 1).  Ford parts are relatively cheap to replace and overall they're fairly reliable.

As someone else said, you might fair better getting the car in someone else's name (parent, etc.), and then being a named driver on it rather than the main driver.  Simply adding someone to the insurance can even bring the cost down surprisingly.

'Fronting' may well result in the policy being voided.
http://www.confused.com/featured-articles/motoring/car-insurance/have-you-been-fronting--3887976853

Adding a parent as a second, named driver, may work.

If you're at the same address as someone and are both using the car, you're doing nothing wrong.  It's not fraudulent if it's true.

Doesn't the main driver have to use the car more than the other drivers though, so most fall foul of that.

also has to be correct name on log book....IE the parent

If is such a big word here. If the parent/fronter isn't clearly the main user then the policy can be voided. It's a risk, and it's only likely to crystallise in the event of a major claim which would then fall on the individual who was attempting to get cheaper insurance.

The car owner doesn't have to be the driver named in the policy (but it's a question that's asked when you're getting quotes/taking out insurance).  I'd guess (have no facts to back this up though) that having a different owner to the driver named in the policy would inflate the premium.

Obtaining cheap insurance by misrepresenting the risk is  a factor in increasing the premiums for everyone else.

If you do so few miles why not investigate the companies using Black Box technology to keep premiums at a level that is appropriate to the risk?

Not true - my colleague who I share an office with bought a second car for use by himself, his wife, and his 17yo son. Direct Line have just cancelled the policy after 1 month because they think he is fronting. He arranged it online - they reckon if he'd have done it over the phone he might have been ok. Nothing he can do about it apparently. In this case it is genuinely used by all 3 people pretty much equally. Phone calls have been like pantomime conversations. Not. Are. Not. Are. FO you stupid bastards. Etc. In the end they can choose to insure who they like.

OK - it's not true insomuch as the risk of having your policy cancelled/invalidated may arise in circumstances other than following a claim.
What made Direct Line take this view i wonder?

Did he get any money back from the cancelled policy?

Got a huundai accent 1.3 y reg 58k miles on clock, service hostory, taxed til dec, mot til jan

Well happy with it, perfect for what i need it for.